Insurance underwriting is the process we use to assess an applicant’s risk. For life insurance, we determine if you can be approved and we then use that information to determine your individualized price. Your current health, health history, activities, and financial health are some of the factors evaluated during the underwriting process.

At Ladder, you can apply for life insurance coverage right now via an online application, get an instant decision, and even be immediately covered within the next few minutes.